ANNUAL REPORT2015 P r o f ile Data THE 77 BANK, LTD. The 77 Bank, Ltd., was founded in 1878 as ’s 77th national bank. Head- As of March 31, 2015 quartered in —the capital of Miyagi Prefecture—the Bank is the largest in the Tohoku region, with a branch network covering the northern part of Honshu, Head Office Paid-in Capital Japan’s largest island. 3-20, Chuo 3-chome, Aoba-ku, Sendai, ¥24,658 million (US$205 million) Based on its philosophy, The 77 Bank continues to strengthen its business foun- Miyagi 980-8777, Japan Number of Stockholders Phone: +81-22-267-1111 dation and enhance its management quality in order to be the “Value-creating 8,760 http://www.77bank.co.jp/ bank” that grows together with and is the most trusted by the region. As of March Shares Outstanding Founded 31, 2015, The 77 Bank had capital of ¥24.7 billion, 141 domestic branches and 383,278 thousand 2,791 employees. December 1878 Major Stockholders Number of Branches Number of 141 Shares (Thousands) % Number of Employees Meiji Yasuda Life Insurance Company 18,928 4.93 2,791 Nippon Life Insurance Company 15,431 4.02 Treasury Administration & Sumitomo Life Insurance Company 15,412 4.02 International Division The Bank of Tokyo-Mitsubishi UFJ, Ltd. 14,795 3.86 Planning & Business Department The Dai-ichi Life Insurance Company, Limited 12,275 3.20 3-20, Chuo 3-chome, Aoba-ku, Sendai, The Master Trust Bank of Japan, Limited (trust account) 11,449 2.98 Miyagi 980-8777, Japan Japan Trustee Services Bank, Limited (trust account) 10,767 2.80 Phone: +81-22-211-9914 Aioi Nissay Dowa Insurance Co., Ltd 9,017 2.35 Facsimile: +81-22-211-9916 Tohoku Electric Power Co., Ltd 8,478 2.21 SWIFT Address: BOSSJPJT Japan Trustee Services Bank, Limited (trust account 4) 8,392 2.18 Note: The Bank owned 9,051 thousand shares of treasury stock as of March 31, 2015, which is excluded from the major stockholders listed above.

Service Network As of June 30, 2015

SAPPORO 1 Branch AKITA 1 Branch Contents TOHOKU REGION IWATE Consolidated Financial Highlights ・・・・・・1 2 Branches Message from the President ・・・・・・2 Toward a Firmer Business Position ・・・・・・5 1 Branch Growing with the Region -Toward Reconstruction from the Great East Japan Earthquake- ・・・・ 9 TOKYO 77 Bank Group ・・・・・・11 2 Branches YAMAGATA MIYAGI Board of Directors and Audit & Supervisory Board Members ・・・・・・12 126 Branches 1 Branch 1 Branch Organization ・・・・・・12 SENDAI Financial Section ・・・・・・13 Headquarters Consolidated Five-Year Summary ・・・・・・13 Treasury Administration & Consolidated Performance for Fiscal 2015 ・・・・・・14 International Division Consolidated Balance Sheet ・・・・・・15 FUKUSHIMA Consolidated Statement of Income ・・・・・・16 6 Branches Consolidated Statement of Comprehensive Income ・・・・・・16 Consolidated Statement of Changes in Equity ・・・・・・17 Consolidated Statement of Cash Flows ・・・・・・18 Notes to Consolidated Financial Statements ・・・・・・19 Independent Auditors’ Report ・・・・・・37 Capital Adequacy Ratios ・・・・・・38 Shanghai Representative Office Non-Consolidated Balance Sheet ・・・・・・39 Non-Consolidated Statement of Income ・・・・・・40 Address: 16th floor, Hang Seng Bank Tower, 1000 Lujiazui Ring Road, Pudong New Area, Shanghai, Loan Portfolio ・・・・・・41 Bank Data ・・・・・・43 P. R. China Phone: +86-21-6841-2077

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